Islamic Banking ‘invades’ Tanzania

[Rufiji]

What is the fuzz all about ? Let's those who abhor interest go ahead and bank with these banks. It is important to understand that we are living in a democratic society where people are free to make whichever kind of decision they see fit.

 

[Mag3]

Jamani hold on a minute. Tusijaribu kuilinganisha Tanzania na nchi kama Marekani (0.8% ni Waislamu), Uingereza (2.7%) au hata Kenya (7%). Hali ya Tanzania (30.2%) kidogo inataka kufanana na Nigeria (50%) katika kile kinachojulikana kama polarization. Katika nchi zenye idadi ndogo ya waumini wa Kiislamu hamna tatizo lakini kwa Tanzania ambapo mihadhara ya kukashifiana dini ipo kila leo, waumini wa dini moja wanaweza kudai mfumo wao wa kutafsiri sheria nje mahakama au hata kuingilia uhuru wa wengine wenye imani tofauti, ni hatari kutoa mwanya wa kubaguana nje ya platform ya dini. Lilipofikia taifa letu yatulazimu tuwe makini sana tunapojaribu kuhusisha uendeshwaji wa taasisi zetu za umma na imani za kidini. Imani ni kitu hatari sana na historia yatudhihirishia jinsi imani inaweza kuwa kichocheo cha machafuko isipowekewa mipaka kuhusiana na vyombo vya utawala na uendeshwaji. Kwenye mada hii kuna huu ukweli ufuatao ambao hauwezi kukanushwa.

Islamic banks must educate their personnel to understand the tenets of Islamic law that pertain to banking, and to train them to comply with Sharia as they serve their Islamic customer population.

Halafu pia tuwe wabunifu kidogo na si kufuata tu mkumbo k.m. matatizo yanayoweza kujitokeza kuhusu hizi Benki. Hebu tuone kinachotokea Canada kwani tayari kuna watu wanaanza kuzishtukia hizi benki za sharia.

Toronto - November 20, 2009 by Robert Santiago.

​

In May, 2007, The Globe reported that “Several Canadian financial institutions are preparing sharia-compliant mortgages, insurance, taxi licensing and investment funds to help serve the country’s fastest-growing part of the population.” Recently, the Toronto Star’s business section reported that an unnamed bank may offer sharia loans as early as this summer; Le Journal de Montreal disclosed that Canada Mortgage and Housing Corporation(CMHC) was also getting in on the act.
Stephanie Rubec, spokesperson for the CMHC, said the Crown corporation had launched a tender worth $100,000 to study Islamic mortgages for Muslim Canadians. Could she be oblivious to the fact that almost all Muslim Canadians currently have home mortgages through banks and don’t feel they are living in sin? In fact, CMHC has gone a step further: It has quietly entered into a partnership with a Saudi company, AaYaan Holdings, to develop sharia-compliant mortgage-lending systems.


The origin of Islamic banking has its roots inthe 1920s, but did not start until the late 1970s and owes much of its foundation to the Islamist doctrine of two people — Abul Ala Maudoodi of the Jamaat-e-Islami in Pakistan and Hassan al-Banna of the Muslim Brotherhood in Egypt. The theory was put into practice by Pakistani dictator General Zia-ul-Haq who established sharia banking law in Pakistan.
Proponents of sharia banking rest their case on many verses of the Holy Koran that outlaw usury, not interest.
Verses that address the question of loans and debts include:
Al Baqarah (2:275): God hath permitted trade and forbidden usury;
Al Baqarah (2:276): Allah does not bless usury, and He causes charitable deeds to prosper, and Allah does not love any ungrateful sinner.
Every English-language translation of the Koran has translated the Arabic word riba as usury, not interest. Yet, Islamists have deliberately portrayed bank interest as usury and labelled the current banking system as un-Islamic. Instead, these Islamists have created exotic products with names that are foreign to much of the world’s Muslim population. This is where they mask interest under the niqab of Mudraba, Musharaka, Murabaha, and Ijara. Two authors, both senior Muslim bankers, have written scathing critiques of sharia banking, one labelling the practice as nothing more than “deception,” with the other suggesting the entire exercise was “a convenient pretext for advancing broad Islamic objectives and for lining the pockets of religious officials.” Why Canadian banks would contribute to this masquerade is a question for ordinary Canadians to ask.


There is this claim that there is a difference between `usury`and `interest.` Basic research will reveal that there is absolutely no difference between the two, except that one is a religious term while the other is the modern, secular equivalent, a sort of euphemistic one invented to legitimize usury.

Ni bahati mbaya huu mjadala umekuja wakati tayari hizi benki zinazinduliwa, laiti wananchi tungeshirikishwa mapema, kaazi kweli kweli.

 

[jmushi1]

Jamani hold on a minute. Tusijaribu kuilinganisha Tanzania na nchi kama Marekani (0.8% ni Waislamu), Uingereza (2.7%) au hata Kenya (7%). Hali ya Tanzania (30.2%) kidogo inataka kufanana na Nigeria (50%) katika kile kinachojulikana kama polarization. Katika nchi zenye idadi ndogo ya waumini wa Kiislamu hamna tatizo lakini kwa Tanzania ambapo mihadhara ya kukashifiana dini ipo kila leo, waumini wa dini moja wanaweza kudai mfumo wao wa kutafsiri sheria nje mahakama au hata kuingilia uhuru wa wengine wenye imani tofauti, ni hatari kutoa mwanya wa kubaguana nje ya platform ya dini. Lilipofikia taifa letu yatulazimu tuwe makini sana tunapojaribu kuhusisha uendeshwaji wa taasisi zetu za umma na imani za kidini. Imani ni kitu hatari sana na historia yatudhihirishia jinsi imani inaweza kuwa kichocheo cha machafuko isipowekewa mipaka kuhusiana na vyombo vya utawala na uendeshwaji. Kwenye mada hii kuna huu ukweli ufuatao ambao hauwezi kukanushwa.

Halafu pia tuwe wabunifu kidogo na si kufuata tu mkumbo k.m. matatizo yanayoweza kujitokeza kuhusu hizi Benki. Hebu tuone kinachotokea Canada kwani tayari kuna watu wanaanza kuzishtukia hizi benki za sharia.


Ni bahati mbaya huu mjadala umekuja wakati tayari hizi benki zinazinduliwa, laiti wananchi tungeshirikishwa mapema, kaazi kweli kweli.

Strong point Mg3,nilishawaeleza hapo nyuma kuwa islamic laws ziko on the rise ukilinganisha na common law ambayo haigovern nchi za kiislam,na ndiyo maana mkandara amekuja na hizo data licha ya kwamba muslims are a minority in USA and Europe in general,kwa hiyo hayo mambo huwepo kuepuka discrimanation na fair practices on citizens yaani civil rights,ndio maana pia unakuta hata mashoga wanadai kwanini kila mtu apewe haki na wao wasipewe,sasa na hiyo tuhamishe?,kwamba sasa kwakuwa mashoga wanaruhsiwa kuoana na sisi tuwaruhusu?hivyo point yako kuhusiana na nchi ambazo si za kiislam lakini zenye population kubwa ya waislam kutakiwa kuliangalia kwa makini kabla ya kuamua ni ya nguvu,ni muhimu kujadili kabla ya kuchukua maamuzi,nakubali si busara kuhamisha kila kitu "mazima." Consequences tumeziona tulipohamisha ubepari "mazima"

 

[mzanganyika]

Aha kumbe inagusa sana tukiingia kidini zaidi,
Ni kwamba masuala ya sharia ni ibada kamili shekhe wangu. nimemuunga mkono Mwanamayu.
Elewa kwamba mnapoingiza taratibu za kiuongozi wa nchi na masuala ya DINI hapo ni kuchukua nafasi ya MAKABURU wa kidini.
Nenda MKOMBOZI bank ukafungue akaunti uone kama watakataa kukupokea hata ukiwa mpagani.
Usishabikie dini NDUGU, shabikia elimu na uongozi bora kwa watanzania wa aina zote bila kubaguana kidini au kiitikadi au kikabila

Sielewi kwa nini hii kitu inakusumbua.

Kama wewe ni mkristo na ni ruksa kwako kunywa pombe na nguruwe hakuna anayekusumbua, kwa nini waislamu wakifuata utaratibu waliowekewa katika kuwekeza ikusumbue kama imani zako zinakuruhusu kula na kuchukua riba.

 

[mzanganyika]

What is the fuzz all about ? Let's those who abhor interest go ahead and bank with these banks. It is important to understand that we are living in a democratic society where people are free to make whichever kind of decision they see fit.

Asante, wala riba wana options za kula riba ma wapinga riba wana products zao, sasa ugomvi wa nini?

Ama mumesahau Mzee Mwinyi alishasema 'kila mtu atakula alichokizoea' tulivyokuwa na vurugu za mabucha ya nguruwe.

 

[mzanganyika]

hata wakipewa nchi nzima, bado tu watakuwa hawajaamka kuwapeleka watoto wao shule ili waje wafanye kazi kwenye hizo bank, hivyo zitadorora tu. bado wataendelea kucheza bao na kula ubwabwa tuuuu bila kufanya kazi kwa bidii na kupeleka watoto wao shule. Kikwete ndiye chanzo cha hilo, na hawa jamaa kama hajui wanamwunguzia kwenye uchaguzi ujao kwasababu watu wengu hawaelewi namna mambo ya kidini ya kiislam yalivyoingia kwa wingi pale tu yeye alipochukua madaraka.

NIutafiti gani uliofanya ku prove hisia zako.

Unadhani ukienda TRA na kuangalia majina ya major tax payors utawaona akina Mengi tu, Bakhresa je. Ukienda Mlimani kuangalia waalimu hakuna akina Musa pale, ukienda kariakoo unadhani majority ya wamility ya yake majumba ni akina nani.

Hii assumption kwamba waislamu hawajaamka umetoa wapi? kama una tatizo na Islamic banking sema una tatizo gani na jambo amabalo hukulazimishwa kushiriki badala ya kuja na hoja za kitoto za kutoamka.

Ni Rais gani aliyewaamsha waTanzania kutokana na upuuzi wenu wa Ujamaa kwa kuutupa upuuzi huo rasmi huko Zanzibar? aliyewafungua macho ni nani?

 

[MwanaFalsafa1]

Leading a diverse nation like Tanzania with no clear majority especially religious wise is always a delicate matter. Anything that seems to favor one group is looked upon by suspicion by the other group sometimes rightly so and sometimes wrongly. There are always people who use such matters to sway the public into one way of thinking. The problem with us is that we don't see ourselves as Tanzanians first which is the common factor we all have to share. We have a long way towards real national unity. By the way I support the services, so far I've seen no evidence of breaking of any national laws or jeopardizing any national interests.

 

[Mwanamayu]

Hii kasoro ya nini,na hawa mapadri huwa trained ili wafanye nini kilicho kinyume na sheria.
Hiyo training ndiyo inayowafanya wavunje sheria na kuwa halali,basi hata maafisa benki wakiwa trained kuendesha islamic banking pia si neno.

Muislamu wa kweli hawezi kusoma huko, kwanza kusoma huko lazima ubatizwe, komunio, kitubio, kipaimara ndio uingie huko. Mafunzo yao uishia madhabauni. Je wewe Issa/ Juma/ Hussein huko tayari? Muislamu pia haruhusiwi kwa sababu shule hizo zinafungamana na imani ya kikristo, hivyo huyu Maulid ataenda kuchafua hali ya hewa ya huko!

 

[Msanii]

dawa ni moja tu KUWA bank zote zilizofungua na zitakazofungua mfumo wa SHARIA BANKING. kujitoa na kufunga akaunti zao ili wabaki na soko wanalolilenga maana huu ni upuuzi wa kipumbavu kabisa.

Nyerere alishasema kuwa tusipokuwa waangalifu tusije tukajikuta tunazidi kuelimika ilhali tunakuwa wapumbavu zaidi ya kuerevuka.

KUJUA kwingi mbele KIZA. mie nimeshafanya uamuzi na nimeondoa akaunti yangu NBC najua hawatatishika kwani wanapata mikopo minono kutoka bank za kiislam baada ya kukubali kuridhia sheria za kiislam kuwepo ktk scope ya operations zao.

 

[Abdulhalim]

Haya! Naona itafika wakati tutakataa kuhudumiwa na teller aliyevaa hijab! Si na yeye anafuata sharia katika uvaaji wake?

Amandla.......

Ukweli ni kwamba hali halisi ya maisha nchini na vile tunapokwenda, ile inayoitwa 'commonsense' inazidi kutoweka. Na sababu hasa inaweza kuwa kwamba ule uzalendo na umoja wa kitaifa haupo tena na individualism na maslahi kundi yanachochewa kila kona kutokana na effect ya changamoto za dunia ya leo. Ndo maana makundi ya watu ktk jamii yanatafuta kujiweka ktk label fulani ili 'yalindwe'.

On the other hand, sitoshangaa kuna watu wana-perpetuate hii sintofahamu kwa maslahi binafsi ya kiuchumi au kisiasa.

 

[rkyaruzi]

Mimi ni mkristo na nafanya kazi benki. Hakuna ubaya wa islamic banking na anayefikiria na kuhoji nahisi ndo ana udini. ni sawa na wewe ukiwa na biashara mfano ya hoteli, ukiamua kuandaa futari hatuwezi kusema ni udini, bali ni kukidhi mahitaji ya wateja wako.
Watanzania mawazo ya kutenganisha watu au kuwaonea wengine. Hata Efatha ikitoa huduma za shariah benking sioni tatizo. in marketing that is segmentation of the market so that you serve the same exceptionally well.

Remigius

 

[dullymo]

Na nikimkopesha mtu sh.1000 afanyie biashara akaingiza sh.1000 zaidi baada ya mwaka, basi unataka anirudishie sh. 1000 tu! Kwa nini nisimtoze ushuru kwa kunikosesha mimi uwezo wa kujiingizia sh.1000? Hata mtu akinikopesha pesa sitajisikia vizuri kumrudishia bila shukrani ili siku nyingine nitapohitaji asisite kunikopesha! Ndiyo maana nikiweka hela yangu benki natarajia nipate riba maana benki itaitumia hela yangu kujitengenezea pesa zaidi. Mtazamo wenu ni wa kimedieval, ambapo mtu anamkopesha mwenzake kwa vile ana shida tu na si ili amuwezeshe kufanya biashara. Pamoja na haya as long as hamtadai benki zote ziendeshwe kisharia mimi sina matatizo. Kila mtu ajifanyie ambavyo nafsi yake inamtuma.

Amandla.....

ndugu yangu nani alokupa guarantee kwamba kila biashara utayofungua lazima upate faida? au hujaona watu wakubwa na makampuni makubwa yenye mitaji ya maana lakini biashara inakataa na wanafilisika.

iwapo makubaliano yenu ni kwamba wewe umetoa mtaji na yeye akafanya biashara kw amtaji ule na akapata faida basi mnaweza kugawana faida ile kadri mlivyokubaliana BUT hii inakwenda sawa sawa na HASARA ambayo itapatikana basi pia igawanywe katika ratio ile ile. tatizo hapa kwenye benki zetu wao hawaangalii kama umepat ahasara au vipi. wao wanajua kuna faida tu na ndo maana wanataka RIBA yao. ingekuwa wanakubali hasara pia basi hapo isingekuwa riba.

lakini mzee hivi unaweza kwenda kukopa kweli kama hauna shida? . . . .

 

[Ngekewa]

Swala hapa la msingi kabisa ni kwamba, kwa nini maswala ya kidini hasa uislam unapenyezwa penyezwa katika sekta za umma. Kwa sababu hizo mali ni za wote kwa nini wao waamue kwa makusudi kabisa kuweka vitu ambavyo vitaleta maswali au hisia tofauti kwa watu wa upande/imani nyingine?

Inawezekana kabisa sharia banking ni nzuri na labda ina tija....but kwa nini bakwata wasifungue hiyo wao na kuwatangazia watanzania kuwa mtu yeyote anaruhusiwa kutumia hiyo huduma na badala yake wameamua kuipeleka kwenye bank ya umma.......kwa nini?

Nadhani baada ya mahakama ya kadhi na oic kushindwa kutekelezeka ndio wanaanza huku taratibu kwenye sekta za umma kuingiza udini wao ili mwisho wa siku ................................:angry:

Si kweli kuwa masuwala ya dini ya Kiislamu yanapenyezwa kwenye mashirika ya Umma! Ukweli ni kuwa Waislamu huwa wanataka haki yao ya kikatiba ya kuabudu na pale wanapotaka haki yao hiyo ambayo mara nyingi hukaliwa na mfumo wa kutokuwa na dini wa Serikali (nahofu kusema kuwa mfumo huo ni wa Kikristo) basi wasioelewa Katiba inazungumza nini kuhusu uhuru wa kuabudu huja juu sijui kwa choyo cha kutokuwa wakweli wa dini zao kama Waislamu walivyo wakweli au sijui vipi?
Unapozungumzia Bakwata kuwa wafungue hiyo Banki una maana kuwa Serikali haina wajibu Wa kuwatumikia Waislamu? wenzetu wengine mnashangaza ha hoja zenu!

 

[Ngekewa]

ndugu yangu nani alokupa guarantee kwamba kila biashara utayofungua lazima upate faida? au hujaona watu wakubwa na makampuni makubwa yenye mitaji ya maana lakini biashara inakataa na wanafilisika.

iwapo makubaliano yenu ni kwamba wewe umetoa mtaji na yeye akafanya biashara kw amtaji ule na akapata faida basi mnaweza kugawana faida ile kadri mlivyokubaliana BUT hii inakwenda sawa sawa na HASARA ambayo itapatikana basi pia igawanywe katika ratio ile ile. tatizo hapa kwenye benki zetu wao hawaangalii kama umepat ahasara au vipi. wao wanajua kuna faida tu na ndo maana wanataka RIBA yao. ingekuwa wanakubali hasara pia basi hapo isingekuwa riba.

lakini mzee hivi unaweza kwenda kukopa kweli kama hauna shida? . . . .

Zaidi ya hivyo hakuna kosa iwapo una shida au ushakubali huo mfumo? Sasa ubaya wa huu mfumo kuwepo hapa Tanzania unaletwa na nini? Ni jina la Uislamu? Na iwapo mfumo huo utaondoshwa jina la uislamu utakubaliana nao?

 

[Msanii]

Mimi ni mkristo na nafanya kazi benki. Hakuna ubaya wa islamic banking na anayefikiria na kuhoji nahisi ndo ana udini. ni sawa na wewe ukiwa na biashara mfano ya hoteli, ukiamua kuandaa futari hatuwezi kusema ni udini, bali ni kukidhi mahitaji ya wateja wako.
Watanzania mawazo ya kutenganisha watu au kuwaonea wengine. Hata Efatha ikitoa huduma za shariah benking sioni tatizo. in marketing that is segmentation of the market so that you serve the same exceptionally well.

Remigius

Hamkuambiwa kwamba mtakuwa na masikio lakini hamtasikia. macho lakini hamtaona????
Tatizo mnakimbilia kuelezea masuala ya mikopo ila concept nzima ya SHARIA hamtaki kuigusa.
Lakini Imenenwa kwamba adui aliingia usiku ktk shamba la ngano na kupanda magugu, hivyo magugu yataota na ngano kisha siku ya mwisho mavuno safi ghalani halafu gugus zitaswagwa motoni na wasio na meno watapewa meno ya kusaga wakati wa kulia

 

[Ngekewa]

dawa ni moja tu KUWA bank zote zilizofungua na zitakazofungua mfumo wa SHARIA BANKING. kujitoa na kufunga akaunti zao ili wabaki na soko wanalolilenga maana huu ni upuuzi wa kipumbavu kabisa.

Nyerere alishasema kuwa tusipokuwa waangalifu tusije tukajikuta tunazidi kuelimika ilhali tunakuwa wapumbavu zaidi ya kuerevuka.

KUJUA kwingi mbele KIZA. mie nimeshafanya uamuzi na nimeondoa akaunti yangu NBC najua hawatatishika kwani wanapata mikopo minono kutoka bank za kiislam baada ya kukubali kuridhia sheria za kiislam kuwepo ktk scope ya operations zao.

Humkomoi mtu na hakuna anaekuamini kuwa hata kama una akaunti huko NBC! Fikira hovyo hovyo zitakuwa na wakati wa kuweka akaunti? Pengine ulikumbwa na mkumbo wa malipo ya mshahara ndio ukaijuwa Benki au vipi mtani wangu?

 

[Msanii]

Mie siyo mwajiriwa kama wewe.
Mimi ni mwekezaji shekhe nimejiajiri na ninatoa ajira kaka/ dada.
Sina fikra za hovyo hovyo kama wewe mkuu.
Ninachoweza kusema ni kwamba ingia ndani zaidi uijue shariah na utajua ninachokisema. Ujue sumu ni sumu iwe kiduchu au lori zima

 

[Kobe]

kama wanaogopa fedha zao kuwa invested kwenye masuala mabovu je wanajuaje mzunguko wa fedha unaowajia siyo fedha zilizopatikana na ulevi, kamari, n.k? gadem gadem gadem sharia banking

wanajaribu kuwavutia wale wasiotaka pesa zao kuingia kwenye mzunguko wao ikumbukwe kuwa watu wasiotaka riba toka bank huwa hawana haja ya kupeleka pesa huko, hivyo ili kuwavuta kwa imani yao waweke hata kama hawaitajii riba, nadahni unaelewa watu wa banking wanatak faida kwa kila pesa wanayoikamata,maisha tu ndivyo yalivyo msiumizane vichwa mliowapa dhamana ya kuwaongoza ndio hivyo wanaangalia maslahi yako upande gani kwao.

 

[mageuzi1992]

Mimi Naomba Mjadala huu uishie hapa! Hivi hawa watu wanaoleta mijadala kama hii huku JF wanakuwa wamekosa cha kufanya?

 

[mageuzi1992]

Kwa maoni Yangu mimi tuachane na hizi ishu tujadili utaifa